Hi and welcome from a former toledoan! Your observations are absolutely correct. Most people, including myself, moved here for the lifestyle and were very much aware that we could have gotten "more house for less money" somewhere else. But like the others, after seeing what this place offers, our attitude changed to "if they would let me move and set up a tent with a sleeping bag, I would do it". We own a 3br 2bath courtyard villa and have had to make some downsizing adjustments, but have found that we just don't need most of the stuff we thought we did. I recommend you come on down and try out the lifestyle visit.
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